For the home. For the host.
You put care into every stay. Put the same care into protecting your property. TCDS helps vacation rental owners bring their home, furnishings, guest liability and rental income into one clear coverage plan.
Local help for hosts in Alabama, Georgia & Tennessee.
A little more peace of mind
From the first check-in to your next stay.
Your coverage, connected
A great rental is a home, a guest experience and a source of income. Your insurance should account for all three.
Building & belongings
Protect the home, furniture, appliances and finishing touches your guests depend on. Replacement-cost options can help repair or replace covered damage with comparable new materials or items, within your policy limits.
Guest liability
A guest injury can turn into a costly claim. Business liability coverage can help with covered legal defense and damages when you are responsible for an injury or damage to someone else's property.
Rental revenue
A covered loss can interrupt more than a vacation. Income coverage can help replace documented rental revenue lost while covered damage keeps your property out of service, within the amount and terms you select.
Made for hosting
Explore coverage options for the everyday realities and unexpected setbacks of renting to guests. We will show you what is included, what is optional and which limits fit your plan.
Protection can extend to theft or intentional damage by someone you invited to stay. Look for coverage that addresses guest-caused losses instead of relying only on a security deposit or a small guest-damage allowance.
From the sofa and dining table to beds and kitchen appliances, the cost to furnish a rental adds up. Replacement-cost coverage can help you replace covered belongings without settling solely on their depreciated value.
Ask about income protection based on documented revenue lost after a covered event, including options without a preset time cap. The purchased dollar limit and policy conditions still apply; this is not unlimited income or a guarantee of bookings.
Explore business liability options with $1 million for a covered incident and $2 million total during the policy period, with higher limits available. We help you compare those limits with your property, amenities and financial exposure.
Specialized coverage can help with infestation-related treatment, covered liability claims and lost rental income. It addresses a hosting problem that can otherwise leave you paying for both remediation and an empty calendar.
Squatter-related protection can help with covered eviction legal expenses and lost rental income when a stay becomes an unwanted extended occupancy. It is separate from a general promise to reimburse every late rent payment.
Welcoming four-legged guests adds another consideration. Ask about liability for animal-related injuries, including options without dog-breed restrictions. Liability for an injury and damage to your own furnishings are different coverages.
A welcome bottle or alcohol left behind by a guest can create an unexpected concern. Explore protection for covered alcohol-related claims connected with your rental. Selling alcohol or hosting catered events needs a separate conversation.
Water coming back through a sewer or drain can damage floors, furniture and more. Ask about backup coverage options, including a $25,000 limit, and understand the deductible. This is different from flood insurance.
Certain personal and advertising injury coverage can address covered claims such as invasion of privacy. It does not replace clear camera disclosures, respect for guest privacy or appropriate security practices.
Your rental may also be your own retreat. Coverage can be designed around paying guests, your personal stays and unoccupied periods between visits. If the property is also your primary home, discuss personal liability protection as well.
Own a few cabins, a condo and a lake house, or a growing collection of rentals? We can review the properties together and discuss how to organize building, belongings, liability and income coverage for each location.
Beyond the front door
The extras in your listing may be the reason a guest books. Let us help you understand the protection around them, including certain activities away from the property.
Coverage for an amenity depends on the activity and policy. We will review your actual setup rather than assume every guest activity is included.
Pools, hot tubs, saunas and cold plunges deserve a place in the coverage conversation, along with decks, docks and access to the water.
Liability options can extend to certain guest amenities even away from the rental. Tell us about your bicycles, golf carts, kayaks, canoes and other equipment so the activities and locations are addressed.
Fire pits, exercise equipment, yard games and sports courts can help make a stay special. Review the actual amenities you provide, including how and where guests use them.
Look past the policy label
Home insurance, landlord insurance and booking-platform protection do different jobs. The important question is whether your actual rental activity, guests and income are protected.
A home or landlord policy may limit frequent paying-guest use.
Look for: A plan that specifically describes your short-term rental activity and personal stays.
Guest theft or intentional damage may be limited or excluded.
Look for: Protection that addresses guest-caused loss to the building and belongings.
Personal or premises liability may not match your hosting activities.
Look for: Business liability, with your actual guest amenities and activities considered.
A loss-of-rent provision may not reflect your rental revenue.
Look for: Income coverage reviewed against what your rental earns and the policy's loss conditions.
This is a guide to coverage questions, not a claim that every home or landlord policy excludes rentals. Existing policies and platform programs differ. We can help you compare their terms.
However you host
From Gulf Coast condos and Alabama lake houses to Tennessee cabins and Georgia retreats, your coverage should reflect what you rent and how you use it.
Tell us about your particular arrangement so we can explain the available coverage.
Start with your property and how you host. We will help you compare a clear coverage plan, explain the details and choose your next step.
Getting started is a request for a quote, not a commitment to purchase.
Your insurance should specifically allow the way you rent the property. A standard home or landlord policy may restrict short-term stays, guest-caused damage or business liability. A specialized rental policy can bring those needs together. We can review your current coverage and explain the differences.
Do not assume that it does. Platform protections have their own conditions, limits and claim procedures, and different protections may apply to property damage and liability. Your rental also needs a plan for direct bookings, personal stays and time between guests. Compare the platform terms with a policy written for your property and hosting activity.
Yes, specialized coverage options can address theft and intentional or malicious damage caused by a guest. Confirm which losses are included, whether a separate guest-damage limit applies, and your deductible. Normal wear, routine cleaning and every broken item are not automatically covered claims.
Income protection can help replace documented revenue lost because a covered event interrupts rental use. Options may measure the actual loss rather than a fixed monthly rent amount, and may not have a preset time cap. Dollar limits, covered causes and other conditions still matter. Slow seasons, ordinary cancellations and reduced demand are not the same as a covered interruption.
Yes, coverage can be arranged for a property that combines rental activity with personal stays. Tell us whether it is a second home or your primary residence and how it is used between bookings. Personal liability may also be available when the insured property is your primary home.
These amenities can be part of the coverage review, including liability for certain activities away from the property. The actual equipment, activity and policy terms determine what is covered. A list of amenities in an advertisement is not proof of coverage for every activity, so review your guest offerings with us.
Specialized options can address bed bug treatment, related liability and lost income; pet or animal liability; and certain eviction legal expenses and lost income involving a guest who will not leave. These protections address different losses. We will explain the options, limits and conditions shown on your quote.
Do not treat a rental property policy or sewer-backup coverage as flood insurance. Flood protection usually needs its own policy. Wind, hail and named-storm deductibles may also differ from your standard deductible. We can review these details for a coastal, lakeside or inland rental.
Tell us about your home, condo, townhome, cabin, manufactured home or permanently situated tiny home. We can discuss coverage for your setup and for nightly, seasonal or mid-term guest stays. If you lease the property and rent it to guests, explain that arrangement too so your responsibilities and belongings are considered.
Your price depends on the property, location, replacement cost, rental use, amenities, coverage limits and deductibles. A useful comparison starts with the protection you need rather than a generic advertised price. Request a personalized quote and we will walk through the coverage and cost together.
A specialized rental policy can be written as the main policy for the property rather than an add-on. The right setup depends on what you own and how you use it. Confirm the replacement policy and its start date, and coordinate any mortgage requirements, before cancelling existing coverage.
TCDS helps rental owners in Alabama, Georgia and Tennessee. Share your property location, rental listing if available, current coverage and the way guests use the home. We will help you understand the available options and the next step.
Let TCDS help you make sense of the coverage.
Coverage descriptions are a guide to available options. Your quote and policy explain the protections you choose, limits, deductibles and exclusions. Not every feature is included in every policy. Insurance does not replace property maintenance or safe hosting practices.
Helpful reading: NAIC guide to home-sharing insurance · Booking-platform damage protection explained
Related coverage: Vacation homes · Long-term rental properties · Flood insurance
